The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$42,974
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$44,311
−HK$1,358/mo
Today · 4.125%
HK$45,669
baseline
▲ 0.50% · 4.625%
HK$48,448
+HK$2,779/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$91,338/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,808
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,091
−HK$1,300/mo
Today · 4.125%
HK$50,391
baseline
▲ 0.50% · 4.625%
HK$53,048
+HK$2,657/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$100,782/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,569
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$53,173
−HK$1,630/mo
Today · 4.125%
HK$54,803
baseline
▲ 0.50% · 4.625%
HK$58,138
+HK$3,335/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$109,606/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$706,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,370
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$58,909
−HK$1,561/mo
Today · 4.125%
HK$60,470
baseline
▲ 0.50% · 4.625%
HK$63,657
+HK$3,187/mo
Deposit HK$7.54M · loan HK$11.31M · min. income ≈ HK$120,940/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$706,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,164
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$62,035
−HK$1,902/mo
Today · 4.125%
HK$63,937
baseline
▲ 0.50% · 4.625%
HK$67,827
+HK$3,890/mo
Deposit HK$5.65M · loan HK$13.19M · min. income ≈ HK$127,874/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,932
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$68,727
−HK$1,821/mo
Today · 4.125%
HK$70,548
baseline
▲ 0.50% · 4.625%
HK$74,267
+HK$3,719/mo
Deposit HK$5.65M · loan HK$13.19M · min. income ≈ HK$141,096/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,354
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$79,760
−HK$2,444/mo
Today · 4.125%
HK$82,204
baseline
▲ 0.50% · 4.625%
HK$87,206
+HK$5,002/mo
Deposit HK$1.88M · loan HK$16.96M · min. income ≈ HK$164,408/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,055
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$88,363
−HK$2,341/mo
Today · 4.125%
HK$90,704
baseline
▲ 0.50% · 4.625%
HK$95,486
+HK$4,782/mo
Deposit HK$1.88M · loan HK$16.96M · min. income ≈ HK$181,408/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,734 · Scale 2, in force from 26 Feb 2026)